Eat vegan for $6.28 a day?!
5,40€ translates to about $6.28 US dollars, according to Google. 😝We eat these quick and easy meals A LOT and my kids don’t actually mind it. I like to add raisins and chia seeds to the oatmeal and we make burritos instead of tacos and I add a little nutritional yeast for that “cheesy” flavor. What are you eating for dinner tonight? 😋🌱
• #Repost@vegainstrength with @get_repost
“Being Vegan is so expensive” 🙄 Tag someone who needs this 🙏🏼💚
✅Breakfast: 150g oats (540kcal/0,50€), 1 banana (180kcal/0,50€), 200ml almond milk (30kcal/0,40€) = 750kcal/1,40€
✅Lunch: 200g kidney beans (250kcal/0,90€), 100g rice (360kcal/0,30€), 1 taco (50kcal/0,30€), 1 tomato (10kcal/0,20€), 5 leaves romaine lettuce (almost 0 kcal/0,20€) = 670kcal/1,90€
✅Dinner: 200g whole grain spaghetti (700kcal/0,50€), 250ml tomato sauce (this one is with a little oil and spices 200kcal/0,60€), 300g vegetables (30kcal/1€) = 930kcal/2,10€
✏️Total = 2350kcal/5,40€
💡Vegan Nutrition & Training Ebook: vegains.org
📱Vegan Meal Plan App: vegains.org (link in bio @vegainstrength)
📹YouTube: Vegains & Vegains DE
🥣Food Channel: @vegainsfood
Day 60 of #nospend19 and a total of two months down! March is upon us. Do you have a #budget set up for this month? If not, you should! Some people think a budget is restrictive or only for the "poor", but everyone can benefit from a budget! It's just telling your money where to go! Calculate your income for the whole month. Then write down all of the expenses you have for the month. If you're fortunate enough to have more money than bills, be sure to save some for a rainy day. You should account for every penny of income going somewhere - debts, household expenses, savings, etc. Dont expect to get it perfect the first time. You will need several months to work out all the kinks. Just don't give up! Keep at it! A budget provides so much freedom from worry and constant guidance. I've been #livingonabudget for 20 years and I can't even imagine not doing it. Our family is #focusednotfinished , and I look forward to sharing lots more information and details on #budgeting in the future. Stay tuned! #budgetnerd#beintentional#babystep7#debtfree#cashisking#frugalliving#lifeonabudget#focusednotfinished#leavingalegacy#retireinspired#betterthanideserve#savemoney
Years of intentional spending, living on less, sticking to a budget, etc...... We haven’t gotten to where we are by chance.
We have learned through trial and error, mistakes and discovery!
Success isn’t a straight line or easy path! Hence why it’s less traveled.
123622 January, 2019
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Ok, I know it sounds crazy, but I haven't bought toilet paper in years! Yes, years! I had gotten some store giftcards/coupons years ago and bought tons of toilet paper for free. I figured it would never go bad and we would always use it. Now we are down to 8 rolls in the bathroom cabinet and one large bulk sized package in the basement #stockpile . Our supply is low enough that it's making me nervous - silly, I know. There are lots of things we can make due without, but I don't want to try living without good old TP!
So today I went to blow my nose and grabbed a piece of TP. I grew up using the cheap TP instead of expensive tissues so I've just always done that. I realized that if I want this limited supply of TP to stretch, I'd better start reaching for a real tissue. I keep a box of tissues by the bed, but now I've put one in the livingroom and added this little Christmas pocket tissue pack to the kitchen. Real tissues rarely get used around here and I have at least 8 boxes of them plus 6 more of the Christmas packs.
So we're going to conserve on the TP and start using up the real tissues instead. This #nospend19 is a balancing act!
I loooooove to have a well stocked freezer. It really saves money and food wastage - which when you think about it, food wastage is also money wastage.
Today I bought a 2kg bag of potatoes and I’m not sure if I’ll get through them all before they go off so I chopped them up, boiled and then par froze them in single layers before putting them in bag for easy fries!
On the chopping board is my little homemade freezer stash of fries, garlicky sweet potato mash, guacamole and banana!
What else do you prep and freeze? •🍌🍠🥑•
54716 March, 2019
$29.28 at Aldi
This week was a top up shop, with the wet weather in Brisbane I avoided the markets and went straight to Aldi!
On the menu this week is Barramundi Burrito bowls, Corn Frittas and a little bit of Chicken Salad thrown in there.
The steak was a little bit of a naughty buy, I didn’t need it but saw the special just had to have it for lunch... it was delicious by the way 😉 •🍌🥩🥔•
47216 March, 2019
Yes, I'm a complete #budgetnerd ! Keeping track of things tells me where I can improve or if I'm staying on track.
If you are struggling with your #budget , you just might find that it's your groceries that are eating up all that money! Try tracking what your family spends on groceries for at least several months - a whole year is even better. You will probably see the amounts vary from month to month, but in general you'll have a good idea what your household needs for a monthly #grocerybudget . You may also see that this is an area you could improve or cut back on.
Since we pay monthly for our cell phones, electricity, TV, internet, etc. it's easy to see what we spend. Groceries on the other hand are often trip, after trip, after trip and the money goes unnoticed.
We use a #cashenvelope system. I carry a specific amount of actual cash and when the money goes out, the receipts go in. Then at the end of the month, I staple the receipts together and add them up. I've done this for years. Although I have high months and low months, it always averages out. I plan for $100/wk or $433.33/mo or $5200/yr - depending on how you look at it.
It’s been awhile! We’ve just been ticking away over here, slowly chipping away at expenses and debt! Finally cancelled our troublesome credit card account! We’re not CC free, but we’ve consolidated our debt with a loan from our bank thats low interest and very easy to pay off. We’ve opened a new CC account with our bank, @simpliifin that has no fees, and only a $500 limit!! We’re keeping it primarily for using our car share membership, with the new habit of paying off expenses ASAP. Honestly, cutting up this card has felt like complete freedom! We were stuck under this horrible interest rate, with payments just being sunk into the card. But no longer!! #financialfreedom#byecreditcard#budgetnerd
9115 March, 2019
I recently started a modified work schedule, where I go in to work Mon - Thurs, then finish my hours at home over the weekend. (Trust me, it sounds better than it is). It's what works for our family right now, and my employer is cool enough to allow me a flexible work schedule.
I say that to say: I have more time to post Fri - Sun, so sorry in advance for blowing up your feed 😊
I do have lots of updates to share!!! Like our decisions on #BS4 & #BS5 , and a recent contribution to our EF! 💲
Day 72 of #nospend19 . I've done well not spending so far. There has been very little money going out at all. Today we started talking about Easter. Like lots of other Christian parents, we discuss with our kids the true meaning of the holidays that we celebrate. We also participate in some of the traditional activities like Easter baskets. No, it's not a second Christmas, but we get candy and a few small trinkets. We also hunt for candy-filled eggs. This year I feel comfortable buying a little candy (it's a food so #grocerybudget to the rescue), but I'm searching for ideas to create a basket they'll love on a #nospendyear#budget (free, in other words). I'm going to make a few things, but I need some ideas!
There's a lot of talk about the #grocerybudget . Why is that? It's one of the areas in our overall #budget that we can have the most affect on. Sure, you can get some of those other bills to come down or you can cut services, but groceries are the one area you are constantly spending on and yet can make the biggest difference with.
Most experts will tell you that you should budget approximately $100 per person per month for groceries. Depending on health concerns, special diets, and your location you may need to adjust that amount. You also have to decide if this amount includes other items like toiletries, paper goods, pet care, cleaning supplies, etc.
In the past, I've had a set budget for the whole year: $5200. This gives me on average $100/wk for our family of 5. I was never very strict about it. Sometimes we spent a lot in a month and other times we spent very little. It always averaged out. I was able to take advantage of sales and discounts, and I never felt restricted.
Fast forward to 2019. I am trying to stick to $100 per week. I'm avoiding stocking up to stay in budget. I'm not borrowing money from the next two weeks so I can hit the club store to #buyinbulkandsave and then just cut back later. I'm finding these new habits difficult. Being really strict with myself, I think, is actually costing me money. I need to review what's working and what's not. It's important to have a budget. It's important to stick to it. Sometimes, it's beneficial to have some flexibility.
My mother-in-law wanted to buy me a nice bag for work, to carry my laptop/cord/notebooks in. She said I could pick what I wanted.
I didn't need it. I have a perfectly good bookbag I've used for years that does the job.
I went along, though, because she wanted to do this for me. It's an early birthday gift.
I saw this bag, and fell in love. *Note: I am not a bag girl. I wear sweatshirts most of the time, and jeans as often as I can get away with. Ms. CG is far from fancy 🤣.
This was more than I would spend on myself, FOR SURE. And I had to argue with "always-practical" me that felt like it was not practical enough.
But you know what? It's got plenty of room for my stuff, and it's adorable. And it was a gift, to spoil me, from someone who loves me.
So today, this #budgetnerd , who watches all the dimes always, forgot about that for a hot minute and enjoyed every second of receiving this gift.
If someone in your life wants to spoil you, let them - and let go long enough to enjoy it!!!
▪ #debtfreecommunity#debtfreejourney#debtfree#debtisdumb#TMM#TotalMoneyMakeover#budget#budgetnerd#YNAB#BS3#moneygowhereIsendyou#BS2done#saving#savingmoney#ClumsyGazelles#llnoe#cakalakygirlborn &bred
If we can do it, YOU can too!!! A year ago, we were clawing our way out of car debt in BS2. While having 3 months of expenses saved was in the plan, it was not something we could fully appreciate and realize. Now we are well on our way, and the end is in sight! This is REAL!
Going back a little bit in time here, but I love tracking my progress. Honestly $421.22 seems a little low, but I’m always happy with any amount paid, and I’m super grateful that I do have the income to pay back this borrowed moolah.
Do you track how much debt you pay every month?
3268 March, 2019
Yes, the Lola Retreat was a couple weeks ago haha. But I still keep thinking about everything I learned about finances, about investing and saving and debt payoff and more, from an amazing group of women. This is a super special event, and the next one is in Seattle in August. I’m really considering going. Has anyone else heard of Lola? 🙌🏼 @lolaretreat
2927 March, 2019
Listening to #DaveRamsey recently made me wonder: how much are we spending on needs, wants, and how much are we saving? I let my #budgetnerd out to play 🤓. I broke our #YNAB lines into the following categories.
Needs: 4 walls. For us, that's basic groceries, house payment, utilities, auto gas/fees/insurance, and clothing.
After thinking awhile, I decided to add another category: Obligations. Stuff we don't HAVE to have to survive, but that we have made a commitment to. This included our pets, our missions contribution, contracts we agreed to, etc.
Wants category got basically everything else. (That was eye-opening, to see our budgeted wants listed out. You should try it!) Savings included building the Emegency fund each month, on average.
Based on our net pay (did not include retirement, taxes, health savings, or insurance): 56% Needs & Obligations
WOW. 26% of our NET pay we are saving!!! I wouldn't have guess that!
Shared with Mr. CG, and we're feeling pretty accomplished!! 🙌
Today is day 65 of #nospend19 ! We only have 300 days to go!
Why are we doing this? There are so many reasons! We've made lots of financial mistakes. We don't want to end up broke. We want to set a good example for our children. The list goes on and on.
If you've considered joining us, what is your why?
My car engine seized Feb 9. Out of the blue; no problems from this car for 6 yrs. Long story short - it's under a recall warranty, and even though the dealer said it was fine over a year ago, it wasn't. So I'm waiting on a new engine. They put me in a rental eventually, but I had to get my own rental until they approved it, so $211 for rental 💸. Thank goodness for the EF!!! (We had already added to EF for Feb, so we took some out.) Towing came from vehicle maintenance sinking fund $100 💸 (thank goodness for that too). Escrow shortage bill came - $115 💸 cash-flowed into Feb budget.
2018 taxes prep $100 💸 cash-flowed into Feb budget.
Smallish Gazelle asked for a new mattress, since his was older than us (not joking) and he started sleeping on the floor and couch to avoid the bed because the mattress was uncomfortable - $110 💸 cash-flowed from budgeted EF.
Personal expense because life happens and you have to roll with the punches sometimes to stay healthy - $300 💸 cash-flowed from budgeted EF.
Despite many financial challenges, we put $700 into the emergency fund in February. We didn't move the needle as much as we wanted to, but the lesson was clear: we are more prepared than ever for challenges like these.
Needs were met, and we moved on without spiraling into financial crisis mode.
So 2019 started off good - we put $1900 (!!!) into the emergency fund.
Then, we took $1000 out.
We had the opportunity to use some Christmas gift money for a concrete patio we have wanted for years, but we needed to supplement the gift with cash.
We talked it through, got 2 quotes, and finally decided to go ahead with the project. The final product is GREAT, and we are happy with our choice.
It did set us back on #BS3 , and we were willing to accept that. We decided that using cash for the project was a bigger win for us than the loss of reaching our current emergency fund goal date.
Before we were intentional with our money, we would have put the project on a credit card and paid it off over time.
Project done and paid for in cash ✔
Net gain of $900 in emergency fund in January ✔
Recalculated emergency fund end date to May 3, 2019 ✔
1906 March, 2019
I want to get transparent with you about paying off my (last!) credit card and student loans. That’s something we all want - authenticity and honesty and transparency. I personally think there’s way too much fear around money, and a lot of people shy away or run away from learning about it because they fear it. But knowledge really is power, and knowing your finances intimately only sets you up for greater and greater financial success. Money is actually really fun and awesome, and now, this moment, is always the best time to be more intentional with where that money flows. I’m talking to both of us on that one ;-)
Do you feel you know your finances intimately? Do you notice any patterns in your spending habits?
Last week I paid $7 for this smoothie and this morning when I got home from the gym I thought “I’ll just grab one on the way to work this morning” and then I thought stuff that! I have all the ingredients at home!
So here’s my $1.50, homemade Banana Cinnamon Smoothie! •🍌🍌🍌•
#nospend19 is on day 63! I love this quote from Warren Buffett. Our #budget is set up like this: our top line item is 10% off the top for tithing, then we save, and lastly we spend.
First account funded is saving for retirement. Next, we save for adding onto our tiny 2 bedroom house (there are 5 of us!) Then, we put money into savings for our kids. Finally, we spend on household expenses (including lots of #sinkingfunds ). You have to save first or you'll never have enough left!
Month 2 of #nospend19 is finally done and I had the chance to take financial inventory this weekend. Our total money spent this month was $1650.38. The #groceryhaul totals were $375.79 of that. I'm pleased with how we did considering hubby had over $800 in dental work (and there is a lot more to come - ugh!) I'd like to see the number lower, but I can't complain! Yes, it was a Frugal February!
Keep in mind when you look at the numbers for our family of five: We are self employed and our business pays our health insurance premiums (we pay all deductibles, etc.). We paid off our house over 10 years ago so no mortgage (yay! 🎉). I'm a SAHM (or WAHM) and I homeschool our kids which means we are able to cut lots of extra expenses from the #budget . I'm a former Coupon Queen and have a nice #stockpile of nonperishable supplies.
Do you keep track of all spending each month? Do you know what you NEED to make ends meet?
Week after week this #nospend19 is tough! I'm so glad that I still get to go out and shop for my #groceryhaul ! We have cut all nonessential items from our #budget and I have to be so disciplined. Our #grocerybudget is for food only and doesn't include any baby items, paper goods, cleaning supplies, or toiletries. I have not spent ANY money on these other items since the year began (we are using up what's in the house! Yay #stockpile !) This week my focus was to get some food items that would last all month so I don't need to purchase them again until next month. Of course, fresh items have to be bought more often.
I left the house with a specific list and a plan for what I was going to spend. I had $26 leftover and a new $100 bill for this week. I spent a total of $106.16 at four stores. I plan to grab tomatoes and cucumbers at my local grocery store when the new sale starts Sunday (about $10 more) and we should be set! This leaves me $10 for unexpected items or to roll over.
My #mealplan consists mostly of #frugalfood from the pantry and freezer. If I have it my way , we're going to start #ShelfCooking and work on a #pantrychallenge for the next two weeks. I'll only pick up milk and fresh fruit/veggies. I'm actually hoping there aren't any good sales or I'll blow it for sure! I love being able to #buyinbulkandsave ! Lol